Business resources
Build a business plan you can use
Work through guides and editable tools for cash flow, records, pricing, business planning and your next 90 days.
Use the right information
Read the assumptions and use current written terms from the lender. No rate, approval or product availability is promised by these tools.
Guides and practical planning tools
Build a cash flow forecast
Forecast when cash will enter and leave the business. Use a 13-week view for near-term decisions and a 12-month view for seasonal planning.
Write a practical business plan
Describe the customer, the offer, the operation and the money needed to deliver it. Build the plan from evidence you can explain.
Set a strategy and a 90 day action plan
Choose the few outcomes that matter most, decide what you will do differently and give each action an owner and a review date.
Keep records that support business decisions
Simple, consistent records help you see what is happening and explain your business to advisers or a lender.
Check your pricing and break even point
Understand what each sale contributes and how much you need to sell to cover fixed costs. Keep the calculation separate from your cash forecast.
Plan finance around a farming season
Match production spending, expected sales and repayment discussions to the farming calendar. Allow for the possibility that income arrives later or is lower.
Take the next step with clarity
Lending is subject to eligibility, assessment and agreed terms. An enquiry is not a loan approval.